Orange County property record for 12440 Northover Loop, Orlando, FL 32824 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,190 sqft · built 2018 |
| Lot Size | 0.147 acres (6,402 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $462,000 (Dec 2021) |
| Tax Bill | $7,120 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Dec 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-24-30-7632-02-810 |
| Primary APN | 29-24-30-7632-02-810 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,190 sqft Living Area |
| Gross Area | 2,769 sqft |
| 1st Floor Area | 2,190 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,402 sqft (0.147 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 138 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 12440 NORTHOVER LOOP |
|---|---|
| City | ORLANDO |
| State | FL |
| Zip | 32824-7392 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOMERSET PARK PHASE 3 91/87 LOT 281 |
| Legal Range | 30E |
| Legal Township | 24S |
| Legal Section | 29 |
| Legal Subdivision | SOMERSET PK PH 3 |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 281 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | ORLANDO |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 16811 |
Source: Orange County records · APN 29-24-30-7632-02-810
Assessment roll updated April 30, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 13, 2024 | Intrafamily Transfer, Transfer |
| Dec 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Nov 21, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| May 01, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on Record |
| Deed Sale | Dec 30, 2021 · Amount on Record |
| Prior Sale | May 01, 2018 · Amount on Record |
| Deed Document Number | 2021793032 |
| Last Transfer Date | Jan 29, 2024 |
| Transfer Doc | 0000086157 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Feb 13, 2024 |
| Property Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000086157 |
| Map Reference | MB 91 PG 87-95 |
| Instrument Date | Jan 29, 2024 |
| Instrument | 20240086157 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Name | Verified Name |
|---|---|
| Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 30, 2021 |
| Property Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000793032 |
| Map Reference | MB 91 PG 87-95 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 20210793032 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,234.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10846 VERSAILLES BLVD, 10846, CLERMONT, FL 34711-7343 |
| Name | Verified Name |
|---|---|
| Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000793033 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 20210793033 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Nov 21, 2019 |
| Property Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000733921 |
| Map Reference | MB 91 PG 87-95 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 20190733921 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2022 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000733922 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 20190733922 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 01, 2018 |
| Property Address | 12440 NORTHOVER LOOP, ORLANDO, FL 32824-7392 |
| Document Number | 0000254634 |
| Instrument Date | Apr 26, 2018 |
| Instrument | 254634 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,212.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12440 NORTHOVER LOOP ORLANDO FL 328247392, ORLANDO, FL 32824-7392 |
| Document Number | 254635 |
|---|---|
| Date | May 01, 2018 |
| Instrument | 254635 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2048 |
Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $469,272 (+2.7%) | $469,990 (-1.13%) Land $105,000 Building $364,990 | |
| 2025 | $7,120.00 (+4.31%) Homeowner's exemption | $456,935 (+5.99%) | $475,370 (+10.26%) Land $105,000 Building $370,370 |
| 2024 | $6,826.00 (+7.31%) | ||
| 2023 | $6,361.00 (+10.43%) Homeowner's exemption | $431,123 (+21.88%) Land $105,000 Building $326,123 | $431,123 (+21.88%) Land $105,000 Building $326,123 |
| 2022 | $5,760.00 | $353,731 Land $80,000 Building $273,731 | $353,731 Land $80,000 Building $273,731 |
Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950168112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2026, rainfall accumulation |
| Wildfire Risk | Low above 34% of the US · above 8% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,632 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 320 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 2,000 / 250 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Orlando Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.
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